Access up to $500k in working capital in as little as 72 hours
Your file goes to every lender in our network that writes in your industry and your state. You read the offers side by side and keep the difference.
- Funded since 2021
- $50M+
- Businesses funded
- 1,200+
- Lenders in our network
- 50
- Typical approval time
- 24 hours
See what a payment looks like before you apply.
Most lenders will not put a number on a page. The arithmetic is not complicated, and you are entitled to see it before you hand over a phone number rather than after.
Four ways to get funded.
You do not have to know which one you want. Apply once and we will tell you which of these your file clears, and what each would actually cost. Typical placements, not offers — speed and pricing follow the file.
Merchant Cash Advance
A merchant cash advance gives a business a lump sum today in exchange for a fixed percentage of future sales. Approval is based on revenue rather than credit score, so businesses turned down by banks often still qualify. Funding typically lands in one to three business days.
Working Capital Loans
A working capital loan covers day-to-day operating costs — payroll, rent, inventory, payables — rather than a long-term investment. Terms usually run three to eighteen months, decisions come in hours rather than weeks, and most funders weigh recent revenue more heavily than credit history.
Equipment Financing
Equipment financing pays for machinery, vehicles or tools, with the equipment itself serving as the collateral. Because the loan is secured by the asset, approval odds are higher and rates are usually lower than unsecured funding — and many businesses qualify with limited credit history.
Business Line of Credit
A business line of credit is a revolving limit you draw against as needed, paying interest only on the amount drawn. It suits uneven cash flow and unexpected costs better than a lump-sum loan, and the limit replenishes as you repay.
Typical use cases.
A carrier’s cash flow looks nothing like a salon’s, and underwriters read them differently. The reason a bank says no is often the reason a revenue-based lender says yes.
Application to funded in 72 hours.
Two minutes of your day, and then the work moves to our side of the desk. Here is who is doing what, and when.
Minute 0
You apply
Six questions about the business and how much you need. Nothing to upload yet.
Hour 1–4
We read the file
We work out which lenders in the network write your industry, your state and your revenue band.
Hour 24
Offers come back
You see them side by side, with the total cost of each stated in dollars rather than percentages.
Hour 72
Funds land
You take one offer, or none. Walking away costs nothing and leaves no mark on your credit.
We’re brokers, and we say it out loud.
A lender pays us when your deal funds, which leaves us exactly one job: find the offer you will actually sign, and not waste your week on the ones you will not.
It also means we have no reason to talk you into the most expensive product on the shelf. A deal that funds and gets repaid is worth more to us than one that funds and goes bad.
Your application goes to the lenders who fit your file. Not to everyone with a phone.
Questions owners ask.
- I was declined by my bank. Can I still get funding?
- Usually, yes. Banks decline most small business applications for reasons a revenue-based lender treats as ordinary — under two years trading, uneven monthly income, a thin credit file, or an industry the bank classes as high risk. These lenders underwrite on recent deposits rather than credit history, and a bank decline is not a factor in their decision.
- How fast can I actually get $30,000?
- One to three business days is realistic once the file is complete, and decisions frequently come back the same day. The slowest part is almost always producing three to six months of bank statements, so having those to hand is the single biggest thing within your control.
- What credit score do I need?
- For revenue-based funding, often none in the conventional sense — many lenders set no minimum and regularly approve businesses scoring in the 500s. Monthly revenue and time in business carry far more weight. A line of credit is the one product where score genuinely matters.
- Does applying affect my credit score?
- Checking your options does not. Submitting an application here results in a soft review that leaves no mark. A hard credit pull happens only later, if you accept an offer and that particular lender requires one, and you are told before it happens.
- What does it cost to apply?
- Nothing. There is no fee to apply and no obligation to accept an offer. If anyone asks you for an upfront fee to secure business funding, that is a recognised advance-fee scam and you should walk away from it.
- Are you the lender?
- No, and we say so plainly. We are a financing marketplace and brokerage. Your file goes to lenders in our network who write in your industry and your state, they make their own credit decisions, and the lender pays us when a deal funds. You pay us nothing.